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Effective March 1, 2024
EPN supports inbound file transmissions 24 hours/day, 7 days a week (except during the EPN maintenance window on Saturdays 8:00 a.m. - 4:00 p.m. ET) and file distributions to Participants Monday through Friday. The following schedule lists origination file transmission deadlines for ODFIs, distribution times for RDFIs, and the typical associated EPN Process times for Monday-Friday, with an additional Sunday/Holiday schedule.
Note: Distribution files are available only if there is activity during the associated window.
Intra-EPN: Items sent by EPN ODFIs to EPN RDFIs
Inter-Operator: Items sent by EPN ODFIs to FedACH RDFIs
Monday – Friday Schedule (excluding
Holidays*)All times are Eastern Time
|
ODFI Recommended Transmission Deadline |
EPN Process Start Time |
Typical EPN Process Completion Time |
Activity |
|---|---|---|---|
| 7:55 a.m. | 8:00 a.m. | 8:30 a.m. |
1st EPN Distribution of the Day Files delivered to large EPN RDFIs and FED RDFIs |
| 8:35 a.m. | EPN Primary Settlement complete and final | ||
| 10:25 a.m. | 10:30 a.m. |
ODFI Transmission Deadline for Inter-Operator entries, includes
items to settle in 1:00 p.m. Same Day Settlement window:
|
|
| 10:55 a.m. | 11:00 a.m. | 11:30 a.m. |
ODFI Transmission Deadline for Intra-EPN entries, includes
items to settle in 1:00 p.m. Same Day Settlement window:
|
| 1:05 p.m. | EPN 1:00 p.m. Same Day Settlement complete | ||
| 2:40 p.m. | 2:45 p.m. |
ODFI Transmission Deadline for Inter-Operator entries, includes
items to settle in 5:00 p.m. Same Day Settlement window:
|
|
| 3:10 p.m. | 3:15 p.m. | 3:45 p.m. |
ODFI Transmission Deadline for Intra-EPN entries, includes
items to settle in 5:00 p.m. Same Day Settlement window:
|
| 4:00 p.m. | 4:05 p.m. | 4:30 p.m. |
4th EPN Distribution of the Day
|
| 4:40 p.m. | 4:45 p.m. |
ODFI Transmission Deadline for Inter-Operator entries, includes
items to settle in 6:00 p.m. Same Day Settlement window:
|
|
| 5:05 p.m. | EPN 5:00 p.m. Same Day Settlement complete | ||
| 5:10 p.m. | 5:15 p.m. | 5:30 p.m. |
ODFI Transmission Deadline for Intra-EPN entries, includes
items to settle in 6:00 p.m. Same Day Settlement window:
|
| Origination files for the Next Business Day processing cycle are accepted from ODFIs beginning at 5:30 p.m. | |||
| 6:05 p.m. | EPN 6:00 p.m. Same Day Settlement complete | ||
| 7:55 p.m. | 8:00 p.m. | 8:30 p.m. |
6th EPN Distribution of the Day
|
| 10:25 p.m. | 10:30 p.m. | Additional Inter-Operator Exchange | |
| 10:55 p.m. | 11:00 p.m. | 11:30 p.m. |
7th EPN Distribution of the Day
|
| Last Exchange of the Processing Day (occurs on the following M-F processing day) | |||
| 2:20 a.m. | 2:30 a.m. | ODFI Transmission Deadline for Inter-Operator entries | |
| 2:55 a.m. | 3:00 a.m. | 4:00 a.m. | 8th EPN Distribution of the Day Output and Advice files available to all EPN RDFIs |
Sunday/Holiday* Schedule (Previous Business Day activity with future-dated items) All times are Eastern Time
|
ODFI Recommended Transmission Deadline |
EPN Process Start Time |
Typical EPN Process Completion Time |
Activity |
|---|---|---|---|
| 7:55 p.m. | 8:00 p.m. | 8:30 p.m. |
Distribution
|
| 10:55 p.m. | 11:00 p.m. | 11:30 p.m. |
Distribution
|